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    Liquor liability insurance is a specialized form of commercial liability coverage. As a commercial liability protection, liquor liability policies will normally help pay legal costs, judgements and settlements associated with covered claims. Policies normally begin helping with these financial costs as soon as a covered claim is filed, and protection usually isn’t dependent upon the final outcome of a lawsuit.
    Businesses that host company parties where alcohol is offered might be held responsible for any alcohol-induced incidents that occur during or shortly after a celebration. Businesses that are in this situation may be able to get a short-term policy that covers just their celebration and therefore, is quite affordable.
    • Falls and is injured
    • Injures someone (or themselves) in a fight
    • Sexually assaults someone

    What is Liquor Liability Insurance?

    Businesses that serve or sell alcohol occasionally are held financially liable for incidents that intoxicated patrons are involved in. Liquor liability insurance helps protect Massachusetts businesses from some of the potential financial risks that come with offering alcohol.

    Liquor liability insurance is a specialized form of commercial liability coverage. As a commercial liability protection, liquor liability policies will normally help pay legal costs, judgements and settlements associated with covered claims. Policies normally begin helping with these financial costs as soon as a covered claim is filed, and protection usually isn’t dependent upon the final outcome of a lawsuit.

    What Massachusetts Businesses Need a Liquor Liability Policy?

    Massachusetts’ Alcoholic Beverages Control Commission generally doesn’t award liquor licenses unless there is liquor liability coverage in place. Thus, most businesses that need liquor licenses have to purchase a policy.

    In some cases, businesses that don’t normally offer alcoholic beverages might still want a policy’s protections. For example, businesses that host company parties where alcohol is offered might be held responsible for any alcohol-induced incidents that occur during or shortly after a celebration. Businesses that are in this situation may be able to get a short-term policy that covers just their celebration and therefore, is quite affordable.

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    • When I called the staff at Paul T. Murphy Insurance, they explained how auto reform would allow me to increase coverage and save money at the same time. I moved my home and umbrella insurance to my current auto carrier and saved over $350. In July 2008 when my auto insurance renews with Safety Insurance, I will save another $300 just for having my auto and home insurance with the same company. The staff at Paul T Murphy Insurance Agency really understands the new Massachusetts reform and how to pass savings and additional coverage to their clients.

      Frank

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    • After many years of doing business with the Paul T. Murphy Insurance Agency, I am thrilled to learn of this relationship with Northrup to service the Lynnfield area. I have trusted both my personal and business policies with Paul and have never received less than the best of service. I like the face that they service as professionals but treat you like a friend. Recently during a complicated Workers Comp claim, Paul showed up to walk me through what I thought would be a mess of paperwork and confusion – the personalized service I receive spoke volumes. I have never gotten service like that from anyone else. I also like the fact that they are always ready to save me money without ever compromising my coverage.

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      Lynnfield, MA

    • One of the best business and personal decisions I ever made was to collaborate with Paul Murphy Insurance Company for our families insurance needs. Starting with our business policies, then eventually all of our personal policies, we have slowly transitioned all to be managed by PMI. Many companies loosely tout that they treat you as one of the family; PMI proves it in their actions. We are glad we are part of their family.

      Kelly Ilebode

      Boston, MA

    Liquor Liability Insurance in Massachusetts

    Do Nonprofit Organizations Need Liquor Liability Coverage?

    Nonprofit organizations that offer adult beverages at events are often in the same situation as businesses that serve drinks at parties. Should an intoxicated event attendee be involved in an incident, the nonprofit hosting the event might be held responsible. Therefore, organizations that offer adult beverages may want to get liquor liability policies to protect themselves.

    Leaders who are unsure whether their nonprofit should invest in a liquor liability policy should talk with an independent insurance agent who specializes in this coverage. A knowledgeable agent will be able to explain the risks that a nonprofit is exposed to and help explore whether purchasing liquor liability coverage makes sense. If it does, the agent can help get quotes for policies from multiple insurance companies so long as they’re an independent agent.

    Do Bartenders and Servers Need Liquor Liability Coverage?

    Bartenders and others who serve alcoholic beverages are occasionally named in liquor liability suits and may benefit from having liquor liability coverage that protects them personally. In many cases, however, servers don’t have to buy their own policy because they’re personally covered under an employer’s policy. Those who don’t have coverage through an employers policy often do have to purchase one themselves.

    Servers who are unsure whether they have coverage through an employer should ask their supervisor for a copy of the business’ liquor liability coverage. Although perhaps an uncommon request, most businesses will honor this. With a copy in hand, servers can ask an insurance agent who specializes in liquor liability policies what protections the employer’s policy affords them personally. If more coverage is needed, an agent can help get quotes for additional policies.

    Liquor Liability Insurance in Massachusetts

    What Incidents Are Covered by Liquor Liability Policies?

    Liquor liability policies frequently cover a wide range of incidents. Depending on a particular policy’s terms and conditions, it might offer protection if an intoxicated patron does any of the following:

    • Falls and is injured
    • Injures someone (or themselves) in a fight
    • Sexually assaults someone
    • Causes a DUI accident shortly after leaving

    How Can Businesses in Massachusetts Get Liquor Liability Insurance Policies?

    For help selecting a liquor liability insurance policy that will protect your business or organization, contact Paul T. Murphy Insurance. Our independent agents have helped many businesses in Massachusetts get robust and affordable liquor liability coverage, and we’re here to assist you as well.

    Receive a Free Liquor Liability Insurance Quote!
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    Paul Murphy Insurance • 628 Broadway, Rt 99 Malden, MA 02148 • 781.321.9700


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    This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.

     

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